we are home loan specialists in: Arakansas, Colorado, Florida, Idaho, Texas, Utah.
If you are looking to purchase a house, there are many loan options:
- Down payments can be as little as $0 down payment for 100% financing for those that qualify for down payment assistance programs. Restrictions apply.
- Conventional Loan Down payments can be as little as 3% on Fannie Mae Home Ready & Freddie Ma Home Possible conventional loans are subject to qualification based on area income limits.
The key question is not how much do you qualify for, but rather:
- How much do you want your monthly payments to be based on your budget?
- Once you know this based on your down payment and your credit rating, we can help determine what size of a mortgage you qualify for so you can then know the purchase price to go shopping for a home.
We can help you with all different types of loan programs with purchasing a home.
Loan types:
- Conventional loans
- FHA loans, USDA loans (no down payment & 100% financing)
- VA loans, (no down payment & 100% financing),
- No down payment Loans (100% financing)
- Reverse mortgage loan (for seniors 62 & older)
- Jumbo loans
- 2nd mortgages (HELOANS = Home Equity Loans, using income documentatioin).
Non-QM LOans (non-conventional loans):
- Bank statement loans
- DSCR Investment Loans (Rental Income / Lease Agreements or on purchases use the rental income analysis form from the appraisal).
- No Ratio Loans (No Income)
- P&L Loans (Profit & Loss Statement)
- HELOAN Bank statement Loans
